Provided are an apparatus and method for providing an advertisement service personalized for each user or for each group. The personalized advertisement providing method includes: a personalized advertisement providing method which is used in an Internet Protocol Television (IPTV) System, including: receiving at least one broadcasting program of a plurality of broadcasting programs classified according to a plurality of channels; and determining whether a present time is an advertisement broadcasting time, transmitting a received broadcasting program to a plurality of user terminals which selects a channel on which the broadcasting program is provided if the present time is not an advertisement broadcasting time, dividing the plurality of user terminals into a plurality of groups and transmitting an advertisement classified for each group to one or more user terminals belonging to the group if the present time is an advertisement broadcasting time. Therefore, it is possible to enhance use efficiency of bandwidths, to reduce restrictions related to installation, etc. of an apparatus for providing advertisement services, and to reduce the number of apparatuses that have to be installed, resulting in reduction of costs.